Hello, this is no problem. But the following conditions are required: 1, full capacity for civil conduct,
2. Honest and trustworthy, law-abiding, no illegal behavior,
3. Good academic performance and normal completion of studies.
4. The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete their studies. 5 strictly abide by the provisions of the state, the handling bank and the school on the national student loan, promise to use the loan correctly and fulfill the obligation to repay the loan according to the regulations, and open a current account in the loan bank.
6. Other conditions stipulated by the lending bank.
Of course, you are a poor household, apply for a student loan and apply for a card. Students who set up a file in the poverty alleviation information system can directly identify a 4000-yuan grant.
If your family is a family with files in the poverty alleviation system, you can directly identify it as a poor student and enjoy the highest-level grant of 4,000 yuan. The list of students in families with registration cards is derived from the system by the school and distributed to the student aid teachers in various departments. As long as your family is in the registration card system, you can directly identify it as a poor student, enjoy a grant, and don't have to evaluate the class.
I hope it helps you.
How to pay tuition by borrowing university loans?
If a university wants to apply for a loan to pay tuition fees, students can apply for a student loan directly. Student loans can be divided into student-origin credit student loans and college student loans.
To apply for a credit loan in the student's place of origin, you should prepare your ID card, household registration book, admission notice or student ID card, as well as the proof of family financial difficulties issued by the local authorities. Go to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where your household registration is located to find a staff member to apply for a loan (college students can apply for a loan directly at colleges and universities).
First get the loan application form to be filled in, and then submit the form and information together. The local student aid center will conduct an audit, and then guide the borrowing students to open a personal account with the handling bank, sign a loan contract with them, and then issue a receipt for the loan contract.
Students report to the school with the receipt of the contract, and then give it to the relevant person in charge of the school. After the school enters the information, the students send the contract receipt back to the financial aid center where their families are located. The local funding center will prepare a summary table and submit it to the provincial funding management center. After the provincial financial aid management center submits it to the handling bank for review, the handling bank will transfer the loan funds to the borrower's account, and then immediately transfer them to the borrower's tuition account.
Is there a loan policy for college students all over the country?
The policy of college students' tuition loan is available all over the country.
For college students' loans, a series of procedures are needed to prepare some relevant materials. The most important thing is to carefully understand the policies of the local county student financial aid center and make corresponding preparations according to the matters listed in the policies.
Handling process: First of all, you need to bring the admission notice to receive the Application Form for Student-origin Student Loan (the place of collection is the local student financial aid center or the former high school), and prepare the poverty proof materials. Usually, the materials to be prepared mainly include: family poverty certificate, application form, documents of the lender (usually his parents), personal identification and other corresponding materials, and then submit them to the student financial assistance center.
How do universities apply for loan tuition?
If a university wants to apply for a loan to pay tuition fees, students can apply for a student loan directly. Student loans are mainly divided into student-origin credit student loans and college student loans.
To apply for student-origin credit student loans, you should prepare your ID card, household registration book, admission notice or student ID card together with the guardian's family, as well as the proof of family financial difficulties issued by the relevant local departments, and go to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the family registration is located to find a staff member to apply for loans (the student-origin credit student loans of colleges and universities can be directly applied to colleges and universities).
First get the loan application form and fill it out, and then submit the form and information together. The local financial aid center will conduct an audit, and then instruct the borrowing students to open a personal account with the handling bank, sign a loan contract with them, and then issue a receipt for the loan contract.
Students report to the school with the receipt of the contract, and then give it to the relevant person in charge of the school. After the school enters the information, the students send the contract receipt back to the financial aid center where their families are located. The local financial aid center will report the summarized form to the provincial student financial aid management center. After the provincial financial aid management center submits it to the handling bank for review, the handling bank transfers the loan funds to the borrower's account, and then immediately transfers it to the tuition account of the borrower's school.
The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.
There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.
There are colleges and universities.
Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.
Repayment operation
Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable. The specific operation method is as follows:
(1) Log in to the homepage of CDB Student Loan Information Network, and then enter the loan information page through the student login name and password (the default login name for online application for early repayment in 2006-2008 school year is the school code student ID number, and the password is the eighth birthday; The login name and password for prepayment of online loans after 200 years are the login name and password when students apply for loans);
(2) Click "prepayment application" on the left to enter the prepayment application summary information page;
(3) Click the "Add" button at the lower left of the prepayment application summary information page to open the prepayment addition page;
(4) Select a loan contract record and click OK to save the prepayment application information.
(5) When logging in, if "There is something wrong with the security certificate of this website" appears on the webpage, please click "Continue to browse this website (not recommended)" in the penultimate line below to continue logging in.
Can I apply for a student loan?
No "Undergraduate classes are not allowed to apply for tuition loans.
During the school period, you can't enjoy state grants, and you can't participate in state scholarships and inspirational scholarships. However, if some schools are friendly, they can set up school-level scholarships, and students in undergraduate aid classes can apply for school-level scholarships. However, there seem to be fewer such schools.
Because full-time undergraduate classes are self-taught, self-taught students don't have college student status on the learning letter website of the Ministry of Education, so they can't apply for student loans. As long as you are a self-taught undergraduate, you can't apply for a national student loan. As long as it is linked to the national level, it cannot be applied.
Do college students have student loans?
Hello, yes. The interest on student loans is calculated after graduation. Because students have no job and income during their school days, there is no interest on student loans during their school days. This loan is more cost-effective, and the interest is given by the state.
1. The student loan interest is calculated several years after graduation, as follows: The student loan interest is calculated in the year of graduation. Generally, the deadline for the financial department of the state to give discount to students is August 3 1 of the year of graduation, that is, the interest on student loans begins to generate from September 1, subject to the date stipulated in the contract. Interest calculation formula = calculate interest according to the actual number of days (annual interest rate of unpaid principal in the current year /360). The annual repayment time of student loans is 165438+ 10 1 to 65438+20 February, but the repayment methods and sources of student loans in different universities are different.
2. For example, the loan interest will be repaid from the interest payment date in the year of graduation, and the loan principal and interest will be repaid in one lump sum in the last year after the contract expires; Student-origin student loans only pay interest within 5 years after graduation. Repay part of the principal and interest according to the repayment plan from the sixth year, and repay when the contract expires in the last year. Student loans do not need to pay interest before the discount period, as long as the principal is paid off. So the borrower doesn't want to pay interest, so he can repay in advance.
3, apply for student loans should pay attention to the following matters. According to the policy, students who have applied for national student loans can no longer apply for student loans in their home countries, that is, they can only apply for one of two kinds of loans. There is a difference between the national student loan and the student-origin student loan. Although both the national student loan and the student-origin student loan are used to solve the problem of tuition and accommodation for poor students, the loan interest rate is based on the benchmark loan interest rate at the same level. The same period announced by the central bank did not rise. Students don't have to pay interest during normal study, and the financial department will give them a discount. However, there are still some differences between them:
4. Different applicants need to borrow national student loans. Students apply to their institutions after the start of school; Student loans are applicable to students in the place where they are registered. The application time is different, and the national student loan is generally handled after the start of school in September; Student-based student loan is to help students log in to the student online service system to apply after receiving the admission notice. However, the specific starting and ending time is different from the provisions of the local financial aid management center, and loan students need to consult the local financial aid management center. Different loan conditions, the national student loan period in principle does not exceed 6 years after graduation; According to the academic system, the student-origin student loan is 10 years in principle, and the longest is 14 years.